What type of card / BIN number do Halocards use?

Halocards are virtual credit cards issued by Third National, an issuing bank located in Puerto Rico USA, on behalf of Visa, with a primary banking identification number (BIN) of 454924.

Key details:

• Network: Visa
• Card type: Credit
• BIN: 454924
• Issuing bank: Third National
• Issuing region: Puerto Rico, USA

Halocards operate as secured credit cards meaning you can spend only what you deposit in your account, without receiving any line of credit.

Because Halocards carry a Visa Credit BIN, the cards are accepted anywhere Visa credit cards are accepted online, in-store, and internationally across the Visa network (175M+ merchants).

Why a Credit BIN Matters

Not all card types are treated equally. Halocards use a Visa Credit BIN, which offers the highest acceptance rates across the payments ecosystem.

Debit cards are often restricted by merchants that require authorization holds (hotels, car rentals, gas stations, subscriptions), face higher international decline rates, and are more likely to be flagged by fraud systems.

Prepaid cards face even steeper limitations as many merchants actively block prepaid BINs due to fraud risk, and prepaid cards offer more limited dispute protections for cardholders.

Halocards avoid these issues. Credit BINs are universally accepted, benefit from Visa's full dispute resolution process, and are the default payment type across virtually every merchant category, meaning fewer declines and smoother checkouts.

Updated on: 26/03/2026